Commerce BankUnavailable funds fee!


I have been arguing with the bank for the past 2 days to no avail. I checked my balance and there was an unavailable funds fee charged to my account, but the catch is that there were plenty of funds in there. I went to the bank on a Saturday and deposited a check and cash together as cash and was told the money would be available in my account right away. I, then decided that Sunday that I would charge my wedding dress since I had just made the deposit. Everything was fine until I went into work and checked my balance on Wednesday. I noticed the unavailable funds fee of $35 and called the bank because I know the funds were available or else I wouldn't have made the charges. I spoke with customer service, who said that I needed to speak with my branch. I was transferred to the branch where I opened the account and was left on hold for approximately five minutes and when I finally was speaking to someone, I told them I had a question about my account. The person then sighed and pretty much made me feel like an inconvenience because she had to look at my account to help me. She then told me that the charge for my wedding dress was for more than I had in the account and when I told her that a deposit was made, she said that anything done after 3pm credits the next business day and I told her that I made the deposit at 1pm and she started to strutter and tell me that it was actually anything done on after Friday at 6pm would not show up in my account until Monday. Then I told her that the charges and deposits should have shown up at the same time and would have evened everything out and she claimed it did not work that way because debits were taken before credits. I said fine, what about my deposit of cash and she said that I only deposited a check. I told her that there was a check, but I also deposited cash, and the cash would have covered my charges made on Sunday. She then said "well, I don't have time to go back and forth and argue with you". I said fine, I would like to speak with a supervisor and she said they had an assistant manager and I ok. She said the assistant manager was unavailable, so I asked when would they be available. She then proceeded to just repeat that they were unavailable and when I asked for a manager was told there was no manager on. I then asked to speak to someone above her and she said "Is there anything else I can do for you? Thank you" and ended the conversation. I was extremely upset because the bank charged me $35 for no reason. I then wrote an e-mail to the bank and got a response of the online payment I made on Monday (when the full amount of the deposit should have cleared), was the unavailable funds that I was charged for. I was told by the woman on the phone that the funds were "there", but they weren't really there", which made absolutely no sense. They then said that they cannot credit my account because they've already done a "courtesy credit" once, but that instance was also an error on the bank. I do not believe it is a "courtesy" when it is not your mistake, but the bank's. The e-mail written back to me also did not acknowledge the fact that I asked for a supervisor many times and was denied. The service I received was rude and I was not aware that the bank could with hold cash from you for two days because you decide to deposit it and not carry it around with you. If I had known they were going to hold my money from me, I would have just cashed the check and taken all of the cash and bought my wedding dress with that instead of going through this headache for my money back. I know it is only $35, but it is my $35 that can help pay my bills or a small cost of my wedding. What infuriates me even more is that they claim to be a friendly customer oriented bank, then why was I treated so rudely and bounced around so many times?!?!



  • Lu
    Luis Q Aug 23, 2007

    This type of customer service is UNFORGIVABLE! I am a hard working customer service rep at commerce, and please do not let one surly CSR ruin our image... what they did was unacceptable!!!

    0 Votes
  • Jo
    john hillman Apr 11, 2008

    Commerce did the EXACT same thing to us, , what a deceitful bank. Im very unsatisfied with Commerce. Rip off artists

    0 Votes
  • Ma
    maryann gilman Aug 14, 2008

    Customer service is terrible !!! If you have a complaint they get a real attitude with you, they talk over you, tell you everything else you have heard from another bank employee is wrong, and the fee's they charge... the only things they are missing is the gun and the mask.

    0 Votes
  • Ch
    Cheryl Sep 03, 2008

    I hate Commerce. I have an unauthorized transaction taken out of my checking acct and they're charging me 25.00 to reverse the transaction. This bank will be getting the last bank fee's out of me. Oh and they also rearrange items that have allready cleared a week ago so that they now say are bounced due to this unauthorized withdrawl. People be aware that Commerce doesn't have free checking. They ought to mention they have Sucker Fees for those that can least afford them.

    0 Votes
  • Ro
    ROBERT E JACKSON Oct 13, 2008


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  • Ni
    Nicole Oct 28, 2008

    I completely agree! Commerce is looking for everyway they can get away with charging people a bank fee. A cycle service charge is withdrawn after 1 year of "free checking" if your balance goes under $100 for one day in a checking account! The way that they put money on hold is ridiculous, how can you charge someone an unavailable funds fee when the account never went to a negative? I was charged $70 for unavailable funds on an account that never was overdrawn, figure that out. Their business ethics is beyond me!

    0 Votes
  • He
    HeathCrb Apr 20, 2009

    Commerce Bank sucks! They are rude and unremorseful for the rapings they give their customers!

    0 Votes
  • Co
    CommerceSucks Oct 05, 2009

    Same thing happened to me! After 5 moderately content years at commerce, a new teller deposited my payroll check instead of cashing it out and depositing the cash, as instructed. I catch the error shortly thereafter on a quick trip to the ATM - before withdrawing - contact the bank over the phone, they apologize and "fix it" - i check my balance, everything's square and I withdraw $60 - the next day I check my balance again [i've learned to be critical of commerce bank] and I'm now negative!!

    I contact the bank immediately, they make some mumbling excuse and ten minutes later my account is back over $800 again, so I take them at their word that everythings been corrected. I might ad that this exact thing happened not once, but twice within two months with different "new" tellers and different lame apologies...

    Couple weeks go by and I discover they've been charging me overdraft fees?! Overdraft fees on a banker's [teller's] error?! I contact the bank, they admit fault and they assure me everything will be corrected Monday morning. Then I get the phone call monday morning from a woman who proceeds to tell me that i am wrong and talk down to me as though I'm ignorant, don't know what I'm talking about, and am at fault - then offers to erase one of the overdraft fees as a 'customer care' measure.

    I get off the phone and immediately search google for "commerce bank reviews" to see if this happened to other people and low and behold, right at the top of the page is this.


    0 Votes
  • Ja
    James003 Nov 17, 2010

    "Unfriendly banking policies and uncaring staff"

    I travelled abroad, so was late paying the credit card. They charged a late fees on my account. Since it was my first time paying late, I called customer service in hope they would waive the late fee. My request is denied. When I asked for a reason, the representative told me that they will only excuse customers who pay late for very first time. I then asked why my late fee was not waived since it was also first time of me paying late? She idled for a while and vaguely replied "maybe you have not been using the card actively or as often, so we cannot excuse you!" She even declined my request to speak to a supevisor. Horrible experience!!!

    0 Votes
  • Bu
    buddrick fizzlemeister Jul 29, 2016

    Better call the Wahmbulance...oh no! Everyone knows payday loans are gonna cost ya

    -1 Votes
  • Fu
    futuremrs Jul 29, 2016

    we just started banking at commerce not too long ago, when my fiance went to talk to one of the reps there, later to only find out that she was spilling her sob stories to him about her break up, come on really!?! that's is far from professional. i dont appreciate that kind of relationship with banks esp. w/ my future husband, on top of that this rep said she'll help him close down the account to move it to the next, and never did!! what kind of yahoo cesspool are they running there?

    0 Votes
  • Ne
    neicee Jul 29, 2016

    new account holder, applied for a payday loan, company is a fraud i tried to tell bank that it's a fraud company no one hears what I AM SAYING the bank charged me 232.00 they won't work with me at all the payday company has tons of complaints the proof is on the internet they are very in considerate of the customers need i asked them for a stop payment on account bad customer service

    0 Votes
  • 7 19 2011 This is the third day and numerous messages to get a Commerce Bank representative from Belleville IL and St Louis to return a call regarding my bank, savings, and loan accounts with a timely inquiry and reply to my emails and calls! This Bank seems to send out (unfriendly and disregard to customer relationships?) notices to customers and then will not service them????? What else can I do? I am a Business, Customer, and Senior who cannot get a response or reply? I have a great credit rating and stay current and sometimes in advance with my loan payments, however am treated terribly, disrespectfully, and disregard to this Banking relationship. I will be changing Banks!

    0 Votes
  • Ir
    Irritated Chick 4 Sep 01, 2016

    This bank is horrible. My fiance' keeps getting his account frozen atleast once a month for no reason, and when we try to talk to anyone they say that there is nothing they can do but dispute the charge that is causing it. They always say that they do not know who is trying to take his money. We do eventually get it back in 2 to 3 weeks but it just happens again.

    0 Votes
  • De
    Derek2 Aug 24, 2017

    Ok, every adult with a bank account and a few functioning brain cells knows any deposit is not immediately available unless you have enough already in your account to cover the deposit. Especially after 3 pm. Or the weekend. That's pretty much the same everywhere. Even a cash deposit at an ATM will be treated like a check for some time. Do you think they send someone out every evening to empty the ATM? Patience folks, patience.

    0 Votes

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